{"id":7040,"date":"2009-07-23T12:35:00","date_gmt":"2009-07-23T16:35:00","guid":{"rendered":"https:\/\/www.merkley.senate.gov\/merkley-applauds-fed-for-steering-payment-ban\/"},"modified":"2023-07-24T11:11:41","modified_gmt":"2023-07-24T15:11:41","slug":"merkley-applauds-fed-for-steering-payment-ban","status":"publish","type":"post","link":"https:\/\/www.merkley.senate.gov\/es\/merkley-applauds-fed-for-steering-payment-ban\/","title":{"rendered":"Merkley aplaude a la Fed por dirigir la prohibici\u00f3n de pagos"},"content":{"rendered":"<p class=\"MsoNormal\" style=\"margin-bottom: 12pt;\"><strong>WASHINGTON DC<\/strong> \u2013 Presidente<br \/>\nEl presidente de la Reserva Federal, Ben Bernanke, anunci\u00f3 hoy que la Reserva Federal<br \/>\nReserve recomienda nuevas reglas para beneficiar a los consumidores, incluida la prohibici\u00f3n de<br \/>\nprimas de diferencial de rendimiento, tambi\u00e9n conocidas como pagos de direcci\u00f3n. las nuevas reglas<br \/>\ntambi\u00e9n exigir a los prestamistas que proporcionen a los prestatarios una explicaci\u00f3n sencilla de<br \/>\nel costo de su pr\u00e9stamo.&nbsp;<\/p>\n<p class=\"MsoNormal\" style=\"margin-bottom: 12pt;\">Al anunciarse la nueva<br \/>\npropuesta, el senador de Oreg\u00f3n, Jeff Merkley, hizo la siguiente declaraci\u00f3n:<\/p>\n<blockquote>\n<p class=\"MsoNormal\" style=\"margin-bottom: 12pt;\"><span style=\"font-size: small;\">\u201cHe defendido durante mucho tiempo<br \/>\nEs hora de que protejamos a los consumidores estadounidenses poniendo fin a los pagos secretos de direcci\u00f3n.<br \/>\n&nbsp;Me alegra que hoy finalmente estemos viendo acci\u00f3n.<\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin-bottom: 12pt;\"><span style=\"font-size: small;\">\u201cLos posibles compradores de vivienda recurren a<br \/>\na su agente hipotecario para que le oriente en una decisi\u00f3n financiera compleja. Por<br \/>\npermitir que corredores confiables acepten pagos secretos para guiar a las familias hacia<br \/>\npr\u00e9stamos que no pueden pagar, hemos convertido el sue\u00f1o americano de ser propietario de una vivienda en<br \/>\nuna pesadilla para millones de familias.&nbsp;<\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin-bottom: 12pt;\"><span style=\"font-size: small;\">&nbsp;\u201cHoy, la Reserva Federal hizo una<br \/>\nrecomendaci\u00f3n de sentido com\u00fan para poner fin a estas pr\u00e1cticas enga\u00f1osas y empoderar<br \/>\nfamilias que buscan comprar una casa. Si la Reserva Federal hubiera puesto estas reglas para proteger<br \/>\ncompradores de viviendas hace seis a\u00f1os, habr\u00edamos evitado gran parte del<br \/>\ncrisis inmobiliaria que desencaden\u00f3 la actual recesi\u00f3n.<\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin-bottom: 12pt;\"><span style=\"font-size: small;\">\u201cCuando sean definitivas, estas reglas<br \/>\nde la Reserva Federal beneficiar\u00e1 a los propietarios de viviendas, pero el hecho de que la Reserva Federal est\u00e9 proponiendo<br \/>\nellos ahora, en lugar de hace a\u00f1os, subraya la necesidad de un consumidor<br \/>\nagencia de protecci\u00f3n financiera cuyo \u00fanico prop\u00f3sito es proteger a los consumidores.&nbsp;<br \/>\nLa Reserva Federal est\u00e1 cerrando la puerta del granero no s\u00f3lo despu\u00e9s de que los caballos hayan huido, sino despu\u00e9s de que<br \/>\nel granero se ha quemado. Una agencia de protecci\u00f3n financiera del consumidor podr\u00eda<br \/>\nHemos puesto fin a esta pr\u00e1ctica corrupta antes de que causara tanto da\u00f1o a millones de<br \/>\nfamilias. Necesitamos una agencia que tenga la misi\u00f3n y la voluntad de avanzar<br \/>\nr\u00e1pidamente para abordar los tipos de pr\u00e1cticas financieras enga\u00f1osas que causan estragos<br \/>\nsobre las familias trabajadoras.<\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin-bottom: 12pt;\"><span style=\"font-size: small;\">\u201cEs hora de poner a los consumidores<br \/>\nprimero y adoptar un enfoque responsable hacia la estabilidad econ\u00f3mica a largo plazo de<br \/>\nnuestras familias y el pa\u00eds.<\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin-bottom: 12pt;\"><span style=\"font-size: small;\">\u201cEstoy orgulloso de ver el progreso<br \/>\nhoy. Espero trabajar con el Presidente Bernanke y Obama<br \/>\nAdministraci\u00f3n desarrollar\u00e1 una agencia de protecci\u00f3n al consumidor que evite los tipos<br \/>\nde estafas financieras, como pagos direccionados, que han da\u00f1ado nuestra econom\u00eda y<br \/>\nperjudicar a los trabajadores estadounidenses\u201d.<\/span><\/p>\n<\/blockquote>\n<p class=\"MsoNormal\" style=\"margin-bottom: 12pt;\">En abril de 2009, Merkley present\u00f3<br \/>\nla Ley de Transparencia para los Propietarios de Vivienda para prohibir los pagos indirectos.<\/p>","protected":false},"excerpt":{"rendered":"<p>WASHINGTON, DC &ndash; Chairman of the Federal Reserve Board, Ben Bernanke, announced today that the Federal Reserve is recommending new rules to benefit consumers, including a ban on yield spread premiums, also known as steering payments.&nbsp; The new rules also require lenders to provide borrowers with a straightforward explanation of the cost of their loan.&nbsp; [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[24],"tags":[47],"class_list":["post-7040","post","type-post","status-publish","format-standard","hentry","category-press-releases","tag-protecting-consumers-taxpayers-and-the-economy"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Merkley Applauds Fed for Steering Payment Ban - Merkley<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.merkley.senate.gov\/es\/merkley-applauds-fed-for-steering-payment-ban\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Merkley Applauds Fed for Steering Payment Ban - Merkley\" \/>\n<meta property=\"og:description\" content=\"WASHINGTON, DC &ndash; Chairman of the Federal Reserve Board, Ben Bernanke, announced today that the Federal Reserve is recommending new rules to benefit consumers, including a ban on yield spread premiums, also known as steering payments.&nbsp; The new rules also require lenders to provide borrowers with a straightforward explanation of the cost of their loan.&nbsp; [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.merkley.senate.gov\/es\/merkley-applauds-fed-for-steering-payment-ban\/\" \/>\n<meta property=\"og:site_name\" content=\"Merkley\" \/>\n<meta property=\"article:published_time\" content=\"2009-07-23T16:35:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-24T15:11:41+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-applauds-fed-for-steering-payment-ban\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-applauds-fed-for-steering-payment-ban\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"Merkley Applauds Fed for Steering Payment Ban\",\"datePublished\":\"2009-07-23T16:35:00+00:00\",\"dateModified\":\"2023-07-24T15:11:41+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-applauds-fed-for-steering-payment-ban\/\"},\"wordCount\":420,\"keywords\":[\"Protecting Consumers, Taxpayers, and the Economy\"],\"articleSection\":[\"Press Releases\"],\"inLanguage\":\"es-MX\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-applauds-fed-for-steering-payment-ban\/\",\"url\":\"https:\/\/www.merkley.senate.gov\/merkley-applauds-fed-for-steering-payment-ban\/\",\"name\":\"Merkley Applauds Fed for Steering Payment Ban - Merkley\",\"isPartOf\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/#website\"},\"datePublished\":\"2009-07-23T16:35:00+00:00\",\"dateModified\":\"2023-07-24T15:11:41+00:00\",\"author\":{\"@id\":\"\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-applauds-fed-for-steering-payment-ban\/#breadcrumb\"},\"inLanguage\":\"es-MX\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.merkley.senate.gov\/merkley-applauds-fed-for-steering-payment-ban\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-applauds-fed-for-steering-payment-ban\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.merkley.senate.gov\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Merkley Applauds Fed for Steering Payment Ban\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.merkley.senate.gov\/#website\",\"url\":\"https:\/\/www.merkley.senate.gov\/\",\"name\":\"Merkley\",\"description\":\"Merkley\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.merkley.senate.gov\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es-MX\"},{\"@type\":\"Person\",\"@id\":\"\",\"url\":\"https:\/\/www.merkley.senate.gov\/es\/author\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Merkley Applauds Fed for Steering Payment Ban - Merkley","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.merkley.senate.gov\/es\/merkley-applauds-fed-for-steering-payment-ban\/","og_locale":"es_MX","og_type":"article","og_title":"Merkley Applauds Fed for Steering Payment Ban - Merkley","og_description":"WASHINGTON, DC &ndash; 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